What build/site did you use? I think you got a bad basement build. My 2.2 Froyo works like a charm. I saw your other post and I have none of the problems you listed. I send picture msgs and receive them daily. My Bluetooth and headphone and speaker all work fine. I have been able to use every app in the market I have tried to use.
I used the odin one click method and haven't looked back since. One issue that I still have is the crapy GPS but thats a hardware/firmware issue from manufacturing. I used this file to get froyo.
Hmmm I haven't had any problems with my blutooth dialing. As for exchange I never use it. I don't know what the problem is. I agree though its probably going to have bugs, but then again they always do.